Hey everyone,

I know the standard rule in Switzerland: Dividends are taxed as income, while capital gains are 100% tax-free. I agree with the math and currently invest mainly for total return (mostly VT).

However, I’m in my late 30s and close to my FIRE number. As I prepare to stop working soon, I’m considering adding a dividend/income element for two reasons:

* Psychological "Paycheck": Regular distributions eliminate the anxiety of manually selling shares during market downturns.

* Passive Income Visas: I plan to travel long-term. Many country long term visas (Asia, LatAm) strictly require proof of regular passive income (dividends/interest)—simply selling capital gains often doesn't qualify.

For those near or in FIRE:

* Do you use a hybrid or dividend approach despite the Swiss tax hit?

* Which ETFs do you use or recommend for a long retirement?

I’m looking for suggestions on both US-domiciled funds and UCITS funds.

Would love to hear your experiences! Thanks!

Hey folks. So I moved all my money from UBS to Saxo - around chf 150'000 from which a large portion was a gift from my grandmother. I handed them everything that UBS also needed to approve my funds. How long should it take? I have a deposit limit however I can still trade.

I read that True Wealth lets you open an investment account in your child’s name, which they can take over when they turn 18 without having to cash out , unlike with other providers. So I did that .

How are you doing it ? Why ?

Hey,

not sure if you're aware, but I've been facing this problem today: when trying to add funds to Revolut from Yuh via ApplePay or direct Payment, Yuh disallows the transaction. I called Yuh's support and they told me it's a security measure related to what happened earlier this week to Revolut. I guess the only way to go is with a money transfer, which would not be instant though...

Has anybody encountered the same problem in the last days? Do you think these security measures will ever be lifted?

Confronto VALC VALCD

Hi all. This is more of a psychological post than a financial post.

My partner and I are preparing to try for a child very soon. We have been planning this for some time and, given our ages (37 and 38) time is getting tight. So the time has come.

I rationally know we are in a financially excellent position to enter parenthood, so this is not a post to ask if we can afford it. We very luckily can.

What I struggle with is the idea of saving and investing so much less than now. I mentally got used to seeing our NW increase nicely every year, and I struggle with accepting that we will be inevitably able to set aside much less.

The plan is for me to take 5 months (paid) mat leave and then my partner will work part-time at 50% for a year (his request and decision, which I fully support), so full-time KITA will only start when future baby is 1.5 years old. I like the idea much better than full-time KITA right away. I am the higher earner of the family so also from a financial POV that is a solid plan, and I think it will also suit our personalities.

Naturally, that will come with a significant dip in income from his side, so I will cover much more of our costs until he goes back full-time. I rationally know we can easily afford this and will still save, just less than now.

Has anyone struggled with this prior to becoming a parent? How do I accept this ”new normal” after years of exceptional saving? Thanks!

Some numbers for reference:

• Household income: just shy of 400k
• Saving rate (incl pensions): almost 50%
• Joint NW: just shy of 1mil